Monroe County property record for 109 Grassy Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,316 sqft · built 2006 |
| Lot Size | 0.142 acres (6,200 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $100 (Oct 2015) |
| Tax Bill | $3,166 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00533800-000000 |
| Primary APN | 00533800-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,316 sqft Living Area |
| 1st Floor Area | 1,316 sqft |
| Flooring | Wood |
| Interior Walls | Plywood |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,200 sqft (0.142 acres) |
| Lot Dimensions | 103 ft deep x 60 ft wide |
| Garage Type | Covered |
| Garage Area | 1,092 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 781 sqft |
| Patio Area | 280 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1657301 |
|---|---|
| Street Address | 109 GRASSY RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3004 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | URM |
| Legal Description | BK 1 LT 21 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR452-935/36 OR509-781 OR764-311 OR784-953 OR1965-2428 OR2266-1128/29 OR2331-2446 OR2418-2210/11C/T OR2454-93/94C OR2457-1890/93AMD OR2459-279 OR2470-890C OR2771-1629/30 |
| Legal Range | 40E |
| Legal Township | 60S |
| Legal Section | 31 |
| Legal Subdivision | LAKE SURPRISE ESTATES |
| Legal Block | 1 |
| Legal Lot Number | 21 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 972700 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Listed Area | Within John Pennekamp Coral Reef State Park and Reserve listed 1972 · 10 contributing resources · NRIS 72000340 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Monroe County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 109 GRASSY RD, KEY LARGO, FL 33037-3004 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 5, 2015 · Amount on Record |
| Deed Sale | Oct 5, 2015 · Amount on Record |
| Prior Sale | Jan 27, 2010 · Amount on Record |
| Deed Book / Page | 2771 / 1629 |
| Prior Transfer Date | Mar 26, 2010 |
| Prior Transfer Doc | 0024700890 |
| Record Updated | Sep 20, 2026 |
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $373,986 (+5.99%) | $975,754 (+16.74%) Land $616,265 Building $359,489 | |
| 2024 | $3,166.00 (+5.11%) | ||
| 2023 | $3,012.00 (-0.95%) | $352,862 (+3%) | $835,830 (+9.63%) Land $485,460 Building $350,370 |
| 2022 | $3,041.00 Senior Citizen's exemption | $342,585 | $762,379 Land $404,550 Building $357,829 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 433 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 660 units insured incl. 227 condo units |
| Nearby Flood Claims | 80 (1999–2024) |
| Claims Outside the SFHA | 1 of 80 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 301 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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